Call us: 01384 489195
Intermediary Portal View Consumer Website

Supporting borrowers into and throughout retirement

Retirement should be a time to enjoy life and support the people you love.

We want to help clients make the most of retirement, support their family, and plan for the future with peace of mind.

That’s why we’ve designed our mortgage solutions with the flexibility older borrowers need, helping them reach their retirement goals and begin their next chapter with confidence.

Who is it for?

Our Retirement Lending mortgage solutions can support a wide range of clients, including: 

  • Older homeowners looking to remortgage or move. 
  • People wanting extra funds to enjoy retirement or support family.
  • Those planning for the future or estate planning.

Note: We only offer residential purchase and remortgage mortgages.

Our Key Criteria

Most pension types considered

We take various pension income types into account, applying the appropriate level for each to support a fair affordability assessment.

Self employed income considered

We consider self employed income where appropriate, helping support affordability for applicants borrowing into retirement.

No upper age limit for Capital & Interest

There is no maximum age restriction when applying for a C & I mortgage, giving applicants freedom to borrow later in life.

Flexible borrowing options

We offer up to 80% LTV when lending into retirement and 70% in retirement, with a flexible interest-only option requiring no minimum income or equity.

Income booster available

Our income booster solution is available for retirement lending, allowing additional applicant’s income to support affordability, including non‑family members, with up to four incomes considered.

Range of capital repayment vehicles considered

We consider a variety of repayment strategies, including pension‑based options, where they are fully evidenced and sustainable into retirement.

View our full lending criteria
Retirement Lending Case Studies

Find out how we’ve supported clients with real-life case studies.

quotes

In this complex case, we supported a mother in helping her daughter buy her first home by finding a flexible solution that made the purchase possible.

See the full story

Supporting a Mother in Helping Her Daughter to Buy a Home

View our latest case studies

Useful Links

Our Criteria

View our criteria to see if we're the right fit for your client's needs.

Find out more

Affordability Calculators

See how much your client can afford with our residential affordability calculator.

Find out more

Important Documents

Access our important documents all in one place.

Find out more
Contact your BDM

Our Key Account Managers and Telephone Business Development Managers are help to help you find solutions to your retirement lending  cases. 

Contact your local representative to discuss a case. 

Find your BDM

We're here to help

Still looking for answers?

We’re here to help you get the support you need and connect you with the right people. Click the button below to find our contact details and reach out to our friendly intermediary team.

Contact us

Quick links

Our Products Our Criteria Find a BDM Intermediary Portal Affordability Calculators Packaging Requirements Contact Us